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The First Liberty National Bank, Performance and Condition Ratios

2021-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1502%1,083
Cost of funding earning assets0.1784%3,680
Net interest margin3.9718%748
Noninterest income to average assets0.9621%1,070
Noninterest expense to average assets3.2382%689
Loan and lease loss provision to assets0.0694%1,688
Net operating income to assets1.3524%1,431
Return on assets (ROA)1.4519%1,204
Pretax return on assets1.4519%1,874
Return on Equity (ROE)13.5564%1,294
Retained earnings to average equity (ytd only)1.2156%4,201
Net charge-offs to loans0.0369%1,513
Credit loss provision to net charge-offs321.8391%1,027
Earnings coverage of net charge-offs (x)65.9080%1,119
Efficiency ratio69.4886%1,793
Assets per employee ($millions)5.6967%3,058
Cash dividends to net income (ytd only)*91.0333%317
Condition Ratios (%)
Loss allowance to loans1.2260%2,756
Loan loss allowance to noncurrent loans443.1944%1,575
Noncurrent assets plus other real estate owned to assets0.2963%2,058
Noncurrent loans to loans0.2766%2,613
Net loans and leases to total assets61.8201%1,964
Net loans and leases to deposits69.1488%2,210
Net loans and leases to core deposits70.1931%2,425
Total domestic deposits to total assets89.4015%1,297
Equity capital to assets10.3083%2,362
Core capital (leverage) ratio10.4924%1,926
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio17.9282%1,055
Memoranda:
Average total assets$403,277,0001,977
Average earning assets$375,471,4001,987
Average equity$43,189,8001,971
Average total loans$235,920,4002,013
2021-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0424%1,445
Cost of funding earning assets0.1866%3,747
Net interest margin3.8558%1,017
Noninterest income to average assets0.9843%1,098
Noninterest expense to average assets3.2405%665
Loan and lease loss provision to assets0.0400%2,196
Net operating income to assets1.2912%1,849
Return on assets (ROA)1.4248%1,525
Pretax return on assets1.4248%2,234
Return on Equity (ROE)13.1758%1,644
Retained earnings to average equity (ytd only)-0.1695%4,578
Net charge-offs to loans0.0325%1,414
Credit loss provision to net charge-offs214.2857%1,167
Earnings coverage of net charge-offs (x)71.3393%1,056
Efficiency ratio70.8819%1,507
Assets per employee ($millions)5.3682%3,328
Cash dividends to net income (ytd only)*101.2862%185
Condition Ratios (%)
Loss allowance to loans1.2313%2,832
Loan loss allowance to noncurrent loans232.1456%2,340
Noncurrent assets plus other real estate owned to assets0.3882%1,893
Noncurrent loans to loans0.5304%1,982
Net loans and leases to total assets60.2018%2,229
Net loans and leases to deposits67.9290%2,440
Net loans and leases to core deposits69.0747%2,677
Total domestic deposits to total assets88.6246%1,500
Equity capital to assets10.5278%2,435
Core capital (leverage) ratio10.2772%2,243
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio18.6655%1,014
Memoranda:
Average total assets$400,131,2502,006
Average earning assets$372,276,7502,012
Average equity$43,270,2501,995
Average total loans$229,831,5002,090
2021-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9572%1,661
Cost of funding earning assets0.1961%3,793
Net interest margin3.7611%1,203
Noninterest income to average assets0.9298%1,196
Noninterest expense to average assets3.2115%701
Loan and lease loss provision to assets0.0000%2,862
Net operating income to assets1.2115%2,146
Return on assets (ROA)1.2674%2,038
Pretax return on assets1.2674%2,718
Return on Equity (ROE)11.6146%2,194
Retained earnings to average equity (ytd only)0.3550%4,456
Net charge-offs to loans0.0617%997
Credit loss provision to net charge-offs0.0000%1,801
Earnings coverage of net charge-offs (x)34.8986%1,236
Efficiency ratio72.6083%1,368
Assets per employee ($millions)5.6418%2,972
Cash dividends to net income (ytd only)*96.9432%300
Condition Ratios (%)
Loss allowance to loans1.1996%2,940
Loan loss allowance to noncurrent loans320.4595%1,796
Noncurrent assets plus other real estate owned to assets0.2902%2,472
Noncurrent loans to loans0.3743%2,562
Net loans and leases to total assets59.3878%2,497
Net loans and leases to deposits67.7502%2,642
Net loans and leases to core deposits68.9619%2,868
Total domestic deposits to total assets87.6570%2,011
Equity capital to assets10.5947%2,318
Core capital (leverage) ratio10.4910%1,970
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.1286%933
Memoranda:
Average total assets$397,513,0002,012
Average earning assets$369,200,6672,024
Average equity$43,376,3331,978
Average total loans$223,549,6672,130
2021-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8598%1,935
Cost of funding earning assets0.2116%3,810
Net interest margin3.6482%1,453
Noninterest income to average assets0.9421%1,233
Noninterest expense to average assets3.2902%620
Loan and lease loss provision to assets0.0000%2,741
Net operating income to assets1.0377%2,679
Return on assets (ROA)1.0377%2,758
Pretax return on assets1.0377%3,264
Return on Equity (ROE)9.3694%2,902
Retained earnings to average equity (ytd only)-4.1519%4,667
Net charge-offs to loans-0.0188%3,966
Credit loss provision to net charge-offs0.0000%1,471
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio76.0226%1,136
Assets per employee ($millions)5.3506%3,275
Cash dividends to net income (ytd only)*144.3137%228
Condition Ratios (%)
Loss allowance to loans1.3679%2,112
Loan loss allowance to noncurrent loans309.4650%1,717
Noncurrent assets plus other real estate owned to assets0.3083%2,595
Noncurrent loans to loans0.4420%2,532
Net loans and leases to total assets54.0479%3,234
Net loans and leases to deposits60.8672%3,422
Net loans and leases to core deposits61.8378%3,585
Total domestic deposits to total assets88.7965%1,441
Equity capital to assets10.6353%2,141
Core capital (leverage) ratio10.6790%1,944
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.6234%720
Memoranda:
Average total assets$393,163,0002,019
Average earning assets$364,892,5002,024
Average equity$43,546,0001,963
Average total loans$213,239,5002,196
2020-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4885%1,341
Cost of funding earning assets0.3091%4,091
Net interest margin4.1794%669
Noninterest income to average assets0.9784%1,093
Noninterest expense to average assets3.2625%949
Loan and lease loss provision to assets0.3476%1,001
Net operating income to assets1.2719%1,327
Return on assets (ROA)1.3630%1,190
Pretax return on assets1.3630%1,778
Return on Equity (ROE)12.2293%1,257
Retained earnings to average equity (ytd only)6.9595%1,412
Net charge-offs to loans0.3741%459
Credit loss provision to net charge-offs159.9265%2,370
Earnings coverage of net charge-offs (x)7.4510%2,695
Efficiency ratio66.8267%2,383
Assets per employee ($millions)5.1338%3,252
Cash dividends to net income (ytd only)*43.0917%2,191
Condition Ratios (%)
Loss allowance to loans1.4513%1,772
Loan loss allowance to noncurrent loans257.7816%1,924
Noncurrent assets plus other real estate owned to assets0.3787%2,467
Noncurrent loans to loans0.5630%2,293
Net loans and leases to total assets52.8740%3,586
Net loans and leases to deposits60.0567%3,759
Net loans and leases to core deposits61.4645%3,860
Total domestic deposits to total assets88.0402%1,453
Equity capital to assets11.5349%1,857
Core capital (leverage) ratio10.7658%1,961
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio21.7568%606
Memoranda:
Average total assets$375,416,8001,939
Average earning assets$350,648,2001,935
Average equity$41,842,2001,950
Average total loans$218,118,2002,115
2020-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.6363%1,218
Cost of funding earning assets0.3284%4,168
Net interest margin4.3079%575
Noninterest income to average assets0.9683%1,085
Noninterest expense to average assets3.3678%829
Loan and lease loss provision to assets0.4665%669
Net operating income to assets1.1660%1,762
Return on assets (ROA)1.2882%1,487
Pretax return on assets1.2882%2,104
Return on Equity (ROE)11.6633%1,461
Retained earnings to average equity (ytd only)4.5274%2,785
Net charge-offs to loans0.4519%340
Credit loss provision to net charge-offs174.2323%2,211
Earnings coverage of net charge-offs (x)6.0975%2,675
Efficiency ratio67.3529%2,275
Assets per employee ($millions)5.5110%2,698
Cash dividends to net income (ytd only)*61.1820%1,085
Condition Ratios (%)
Loss allowance to loans1.3436%1,986
Loan loss allowance to noncurrent loans317.2878%1,567
Noncurrent assets plus other real estate owned to assets0.3223%2,855
Noncurrent loans to loans0.4235%2,788
Net loans and leases to total assets57.5177%3,466
Net loans and leases to deposits65.3118%3,672
Net loans and leases to core deposits67.5842%3,785
Total domestic deposits to total assets88.0664%1,194
Equity capital to assets11.0736%2,345
Core capital (leverage) ratio10.4084%2,331
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.3964%740
Memoranda:
Average total assets$373,013,0001,930
Average earning assets$349,118,7501,926
Average equity$41,199,5001,962
Average total loans$221,002,7502,098
2020-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8545%1,047
Cost of funding earning assets0.3578%4,236
Net interest margin4.4967%507
Noninterest income to average assets0.9610%1,051
Noninterest expense to average assets3.4307%816
Loan and lease loss provision to assets0.6726%424
Net operating income to assets1.0711%2,069
Return on assets (ROA)1.2575%1,591
Pretax return on assets1.2575%2,160
Return on Equity (ROE)11.3955%1,513
Retained earnings to average equity (ytd only)3.4774%3,190
Net charge-offs to loans0.3760%422
Credit loss provision to net charge-offs300.2433%1,618
Earnings coverage of net charge-offs (x)7.7835%2,340
Efficiency ratio66.3015%2,471
Assets per employee ($millions)5.4885%2,649
Cash dividends to net income (ytd only)*69.4842%956
Condition Ratios (%)
Loss allowance to loans1.4504%1,405
Loan loss allowance to noncurrent loans182.7756%2,288
Noncurrent assets plus other real estate owned to assets0.4613%2,479
Noncurrent loans to loans0.7935%1,907
Net loans and leases to total assets57.2928%3,581
Net loans and leases to deposits64.7887%3,822
Net loans and leases to core deposits66.9840%3,923
Total domestic deposits to total assets88.4303%974
Equity capital to assets10.6805%2,593
Core capital (leverage) ratio10.4901%2,371
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio20.2551%741
Memoranda:
Average total assets$366,923,6671,930
Average earning assets$343,807,6671,924
Average equity$40,489,6671,975
Average total loans$218,630,0002,095
2020-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7053%1,693
Cost of funding earning assets0.4181%4,298
Net interest margin4.2872%778
Noninterest income to average assets1.0884%718
Noninterest expense to average assets3.6576%742
Loan and lease loss provision to assets0.4637%643
Net operating income to assets0.9785%2,252
Return on assets (ROA)1.1338%1,846
Pretax return on assets1.1338%2,414
Return on Equity (ROE)10.0930%1,717
Retained earnings to average equity (ytd only)-3.2600%4,378
Net charge-offs to loans0.4074%359
Credit loss provision to net charge-offs188.4793%1,451
Earnings coverage of net charge-offs (x)5.8618%2,020
Efficiency ratio71.7208%2,121
Assets per employee ($millions)4.5397%3,210
Cash dividends to net income (ytd only)*132.3000%538
Condition Ratios (%)
Loss allowance to loans1.2631%2,319
Loan loss allowance to noncurrent loans129.9182%2,811
Noncurrent assets plus other real estate owned to assets0.5871%2,243
Noncurrent loans to loans0.9723%1,691
Net loans and leases to total assets59.6249%3,537
Net loans and leases to deposits67.7139%3,744
Net loans and leases to core deposits70.5333%3,848
Total domestic deposits to total assets88.0541%1,084
Equity capital to assets11.1314%2,747
Core capital (leverage) ratio11.0573%2,429
Tier 1 risk-based capital ratioNANA
Total risk-based capital ratio19.4867%924
Memoranda:
Average total assets$352,800,5001,948
Average earning assets$330,099,0001,935
Average equity$39,631,5001,996
Average total loans$213,077,0002,100
2019-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9115%1,722
Cost of funding earning assets0.4131%4,402
Net interest margin4.4984%717
Noninterest income to average assets1.4435%450
Noninterest expense to average assets3.7719%698
Loan and lease loss provision to assets0.3585%417
Net operating income to assets1.5580%923
Return on assets (ROA)1.5590%977
Pretax return on assets1.5590%1,620
Return on Equity (ROE)12.7653%1,253
Retained earnings to average equity (ytd only)-0.1242%4,718
Net charge-offs to loans0.4370%438
Credit loss provision to net charge-offs131.4415%1,940
Earnings coverage of net charge-offs (x)7.0261%2,910
Efficiency ratio66.3074%2,725
Assets per employee ($millions)4.6867%2,963
Cash dividends to net income (ytd only)*100.9732%279
Condition Ratios (%)
Loss allowance to loans1.1817%2,540
Loan loss allowance to noncurrent loans136.5071%2,746
Noncurrent assets plus other real estate owned to assets0.5229%2,327
Noncurrent loans to loans0.8657%1,779
Net loans and leases to total assets59.6904%3,616
Net loans and leases to deposits67.8566%3,829
Net loans and leases to core deposits70.2916%3,947
Total domestic deposits to total assets87.9654%1,138
Equity capital to assets11.3361%2,671
Core capital (leverage) ratio11.4270%2,167
Tier 1 risk-based capital ratio18.7293%1,581
Total risk-based capital ratio19.9283%1,559
Memoranda:
Average total assets$322,969,8002,017
Average earning assets$304,775,8001,995
Average equity$39,442,8001,960
Average total loans$201,593,2002,157
2019-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9755%1,610
Cost of funding earning assets0.4036%4,492
Net interest margin4.5719%655
Noninterest income to average assets1.5446%381
Noninterest expense to average assets3.9256%575
Loan and lease loss provision to assets0.4150%318
Net operating income to assets1.5218%1,129
Return on assets (ROA)1.5231%1,184
Pretax return on assets1.5231%1,892
Return on Equity (ROE)12.2276%1,540
Retained earnings to average equity (ytd only)-0.3525%4,795
Net charge-offs to loans0.4746%358
Credit loss provision to net charge-offs138.8418%1,734
Earnings coverage of net charge-offs (x)6.4802%2,834
Efficiency ratio66.9619%2,596
Assets per employee ($millions)4.3140%3,465
Cash dividends to net income (ytd only)*102.8824%291
Condition Ratios (%)
Loss allowance to loans1.2201%2,403
Loan loss allowance to noncurrent loans205.4918%2,055
Noncurrent assets plus other real estate owned to assets0.4543%2,701
Noncurrent loans to loans0.5938%2,505
Net loans and leases to total assets62.7298%3,416
Net loans and leases to deposits72.5024%3,589
Net loans and leases to core deposits75.5952%3,722
Total domestic deposits to total assets86.5209%1,761
Equity capital to assets12.3145%2,031
Core capital (leverage) ratio12.2146%1,722
Tier 1 risk-based capital ratio19.7464%1,413
Total risk-based capital ratio20.9967%1,375
Memoranda:
Average total assets$315,836,2502,074
Average earning assets$298,279,2502,047
Average equity$39,341,7501,971
Average total loans$198,910,7502,191
2019-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9473%1,619
Cost of funding earning assets0.3988%4,514
Net interest margin4.5485%687
Noninterest income to average assets1.6484%344
Noninterest expense to average assets3.9954%541
Loan and lease loss provision to assets0.5159%223
Net operating income to assets1.4410%1,321
Return on assets (ROA)1.4410%1,367
Pretax return on assets1.4410%2,061
Return on Equity (ROE)11.5229%1,772
Retained earnings to average equity (ytd only)0.0970%4,661
Net charge-offs to loans0.7208%204
Credit loss provision to net charge-offs113.9633%1,812
Earnings coverage of net charge-offs (x)4.3230%2,747
Efficiency ratio67.1243%2,667
Assets per employee ($millions)4.2322%3,523
Cash dividends to net income (ytd only)*99.1582%438
Condition Ratios (%)
Loss allowance to loans1.1492%2,793
Loan loss allowance to noncurrent loans353.1818%1,360
Noncurrent assets plus other real estate owned to assets0.2922%3,375
Noncurrent loans to loans0.3254%3,368
Net loans and leases to total assets62.3344%3,505
Net loans and leases to deposits72.1990%3,669
Net loans and leases to core deposits74.5321%3,858
Total domestic deposits to total assets86.3370%1,874
Equity capital to assets12.4135%1,905
Core capital (leverage) ratio12.4864%1,543
Tier 1 risk-based capital ratio20.1424%1,326
Total risk-based capital ratio21.3383%1,304
Memoranda:
Average total assets$313,264,0002,097
Average earning assets$296,406,6702,060
Average equity$39,174,3301,971
Average total loans$196,724,0002,213
2019-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8645%1,715
Cost of funding earning assets0.3922%4,516
Net interest margin4.4723%781
Noninterest income to average assets1.5052%388
Noninterest expense to average assets4.1091%455
Loan and lease loss provision to assets0.3339%366
Net operating income to assets1.2981%1,700
Return on assets (ROA)1.2981%1,741
Pretax return on assets1.2981%2,461
Return on Equity (ROE)10.3409%2,223
Retained earnings to average equity (ytd only)-0.1753%4,556
Net charge-offs to loans0.5019%301
Credit loss provision to net charge-offs106.1728%1,526
Earnings coverage of net charge-offs (x)5.1893%2,272
Efficiency ratio71.5735%2,102
Assets per employee ($millions)4.2600%3,531
Cash dividends to net income (ytd only)*101.6949%605
Condition Ratios (%)
Loss allowance to loans1.1387%2,913
Loan loss allowance to noncurrent loans268.4588%1,726
Noncurrent assets plus other real estate owned to assets0.3650%3,143
Noncurrent loans to loans0.4242%3,069
Net loans and leases to total assets62.7316%3,430
Net loans and leases to deposits72.6381%3,558
Net loans and leases to core deposits74.8671%3,745
Total domestic deposits to total assets86.3618%2,121
Equity capital to assets12.5410%1,714
Core capital (leverage) ratio12.7723%1,370
Tier 1 risk-based capital ratio20.6705%1,217
Total risk-based capital ratio21.8547%1,204
Memoranda:
Average total assets$309,071,5002,130
Average earning assets$292,735,5002,094
Average equity$38,797,5001,977
Average total loans$193,671,5002,260
2018-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4836%2,509
Cost of funding earning assets0.3161%4,492
Net interest margin4.1675%1,481
Noninterest income to average assets1.1600%687
Noninterest expense to average assets3.5734%904
Loan and lease loss provision to assets0.2093%894
Net operating income to assets1.3391%1,658
Return on assets (ROA)1.3391%1,644
Pretax return on assets1.3391%2,370
Return on Equity (ROE)10.9459%2,106
Retained earnings to average equity (ytd only)4.2304%3,224
Net charge-offs to loans0.3415%556
Credit loss provision to net charge-offs100.9317%2,494
Earnings coverage of net charge-offs (x)7.4658%2,990
Efficiency ratio69.7686%2,229
Assets per employee ($millions)4.1509%3,688
Cash dividends to net income (ytd only)*61.3516%1,442
Condition Ratios (%)
Loss allowance to loans1.1747%2,696
Loan loss allowance to noncurrent loans302.4390%1,630
Noncurrent assets plus other real estate owned to assets0.3373%3,201
Noncurrent loans to loans0.3884%3,142
Net loans and leases to total assets61.1341%3,654
Net loans and leases to deposits70.7549%3,766
Net loans and leases to core deposits72.7992%3,932
Total domestic deposits to total assets86.4027%2,054
Equity capital to assets12.5649%1,550
Core capital (leverage) ratio12.6012%1,410
Tier 1 risk-based capital ratio20.8796%1,166
Total risk-based capital ratio22.0673%1,159
Memoranda:
Average total assets$310,515,6002,088
Average earning assets$295,188,2002,048
Average equity$37,986,8001,941
Average total loans$188,596,8002,259
2018-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3217%2,880
Cost of funding earning assets0.2929%4,571
Net interest margin4.0289%1,858
Noninterest income to average assets1.1532%705
Noninterest expense to average assets3.5312%943
Loan and lease loss provision to assets0.1499%1,313
Net operating income to assets1.3074%1,826
Return on assets (ROA)1.3074%1,830
Pretax return on assets1.3074%2,597
Return on Equity (ROE)10.7588%2,285
Retained earnings to average equity (ytd only)5.5221%2,942
Net charge-offs to loans0.1572%1,053
Credit loss provision to net charge-offs157.6577%1,643
Earnings coverage of net charge-offs (x)15.3290%2,234
Efficiency ratio70.7872%2,076
Assets per employee ($millions)4.1084%3,715
Cash dividends to net income (ytd only)*48.6734%1,641
Condition Ratios (%)
Loss allowance to loans1.2746%2,226
Loan loss allowance to noncurrent loans418.1172%1,269
Noncurrent assets plus other real estate owned to assets0.2832%3,555
Noncurrent loans to loans0.3048%3,581
Net loans and leases to total assets59.9724%3,846
Net loans and leases to deposits69.7105%3,939
Net loans and leases to core deposits72.0288%4,083
Total domestic deposits to total assets86.0307%2,176
Equity capital to assets12.5829%1,532
Core capital (leverage) ratio12.6627%1,433
Tier 1 risk-based capital ratio21.0643%1,176
Total risk-based capital ratio22.3146%1,154
Memoranda:
Average total assets$311,353,5002,098
Average earning assets$296,386,0002,048
Average equity$37,834,7501,951
Average total loans$188,242,5002,269
2018-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2474%2,955
Cost of funding earning assets0.2683%4,645
Net interest margin3.9791%1,929
Noninterest income to average assets1.1721%697
Noninterest expense to average assets3.4666%1,041
Loan and lease loss provision to assets0.1912%909
Net operating income to assets1.3047%1,755
Return on assets (ROA)1.3047%1,750
Pretax return on assets1.3047%2,488
Return on Equity (ROE)10.8610%2,174
Retained earnings to average equity (ytd only)5.6613%2,743
Net charge-offs to loans0.1130%1,249
Credit loss provision to net charge-offs280.3738%1,059
Earnings coverage of net charge-offs (x)21.9346%1,759
Efficiency ratio69.8562%2,340
Assets per employee ($millions)4.0249%3,853
Cash dividends to net income (ytd only)*47.8749%1,770
Condition Ratios (%)
Loss allowance to loans1.2849%2,241
Loan loss allowance to noncurrent loans244.0969%1,941
Noncurrent assets plus other real estate owned to assets0.3157%3,502
Noncurrent loans to loans0.5264%2,841
Net loans and leases to total assets59.1975%3,884
Net loans and leases to deposits68.8894%3,954
Net loans and leases to core deposits71.4637%4,044
Total domestic deposits to total assets85.9312%2,314
Equity capital to assets12.1034%1,783
Core capital (leverage) ratio12.2965%1,543
Tier 1 risk-based capital ratio21.1513%1,148
Total risk-based capital ratio22.4023%1,123
Memoranda:
Average total assets$313,797,0002,103
Average earning assets$298,909,6702,053
Average equity$37,694,6701,956
Average total loans$189,428,6702,269
2018-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0817%3,292
Cost of funding earning assets0.2584%4,657
Net interest margin3.8234%2,325
Noninterest income to average assets1.1692%673
Noninterest expense to average assets3.3839%1,185
Loan and lease loss provision to assets0.1913%879
Net operating income to assets1.2355%1,867
Return on assets (ROA)1.2355%1,876
Pretax return on assets1.2355%2,618
Return on Equity (ROE)10.3242%2,267
Retained earnings to average equity (ytd only)4.9756%3,187
Net charge-offs to loans0.1495%933
Credit loss provision to net charge-offs211.2676%1,013
Earnings coverage of net charge-offs (x)15.7606%1,653
Efficiency ratio70.3419%2,432
Assets per employee ($millions)4.0927%3,815
Cash dividends to net income (ytd only)*51.8060%1,479
Condition Ratios (%)
Loss allowance to loans1.2158%2,716
Loan loss allowance to noncurrent loans488.3475%1,126
Noncurrent assets plus other real estate owned to assets0.1591%4,289
Noncurrent loans to loans0.2490%3,866
Net loans and leases to total assets60.2103%3,736
Net loans and leases to deposits69.9347%3,789
Net loans and leases to core deposits72.8762%3,892
Total domestic deposits to total assets86.0949%2,510
Equity capital to assets12.0600%1,739
Core capital (leverage) ratio12.2255%1,509
Tier 1 risk-based capital ratio20.9100%1,214
Total risk-based capital ratio22.1602%1,188
Memoranda:
Average total assets$313,723,5002,122
Average earning assets$298,794,5002,070
Average equity$37,543,0001,975
Average total loans$190,010,0002,273
2017-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9531%3,560
Cost of funding earning assets0.2620%4,463
Net interest margin3.6910%2,827
Noninterest income to average assets1.1233%806
Noninterest expense to average assets3.2389%1,532
Loan and lease loss provision to assets0.2131%936
Net operating income to assets1.1855%1,562
Return on assets (ROA)1.1699%1,640
Pretax return on assets1.1699%2,893
Return on Equity (ROE)9.6118%2,049
Retained earnings to average equity (ytd only)5.1167%2,055
Net charge-offs to loans0.2041%1,266
Credit loss provision to net charge-offs171.0875%1,581
Earnings coverage of net charge-offs (x)11.2281%2,592
Efficiency ratio69.8418%2,583
Assets per employee ($millions)4.1632%3,712
Cash dividends to net income (ytd only)*46.7665%2,484
Condition Ratios (%)
Loss allowance to loans1.1689%2,960
Loan loss allowance to noncurrent loans824.4444%737
Noncurrent assets plus other real estate owned to assets0.0926%4,659
Noncurrent loans to loans0.1418%4,355
Net loans and leases to total assets59.4838%3,881
Net loans and leases to deposits68.8955%3,953
Net loans and leases to core deposits71.8678%4,056
Total domestic deposits to total assets86.3392%2,300
Equity capital to assets11.8754%1,926
Core capital (leverage) ratio12.0241%1,591
Tier 1 risk-based capital ratio20.6438%1,206
Total risk-based capital ratio21.8648%1,183
Memoranda:
Average total assets$302,668,0002,151
Average earning assets$288,156,6002,108
Average equity$36,840,0001,990
Average total loans$184,715,4002,280
2017-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9099%3,656
Cost of funding earning assets0.2620%4,466
Net interest margin3.6478%2,961
Noninterest income to average assets1.1358%784
Noninterest expense to average assets3.1854%1,591
Loan and lease loss provision to assets0.2584%657
Net operating income to assets1.1656%1,819
Return on assets (ROA)1.1447%1,947
Pretax return on assets1.1447%3,135
Return on Equity (ROE)9.3442%2,419
Retained earnings to average equity (ytd only)4.7648%3,040
Net charge-offs to loans0.2735%788
Credit loss provision to net charge-offs154.2553%1,654
Earnings coverage of net charge-offs (x)8.5000%2,775
Efficiency ratio69.1058%2,690
Assets per employee ($millions)4.0932%3,836
Cash dividends to net income (ytd only)*49.0072%1,812
Condition Ratios (%)
Loss allowance to loans1.1337%3,288
Loan loss allowance to noncurrent loans404.1121%1,254
Noncurrent assets plus other real estate owned to assets0.1743%4,405
Noncurrent loans to loans0.2806%3,944
Net loans and leases to total assets61.4131%3,730
Net loans and leases to deposits72.2904%3,736
Net loans and leases to core deposits75.8173%3,813
Total domestic deposits to total assets84.9534%2,732
Equity capital to assets12.2361%1,816
Core capital (leverage) ratio12.6573%1,351
Tier 1 risk-based capital ratio20.5122%1,278
Total risk-based capital ratio21.7089%1,255
Memoranda:
Average total assets$299,234,5002,189
Average earning assets$284,947,2502,138
Average equity$36,656,5002,002
Average total loans$183,285,7502,307
2017-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8738%3,645
Cost of funding earning assets0.2668%4,401
Net interest margin3.6070%3,010
Noninterest income to average assets1.1434%765
Noninterest expense to average assets3.0811%1,883
Loan and lease loss provision to assets0.2360%723
Net operating income to assets1.2628%1,395
Return on assets (ROA)1.1765%1,716
Pretax return on assets1.1765%2,869
Return on Equity (ROE)9.6000%2,216
Retained earnings to average equity (ytd only)5.1989%2,580
Net charge-offs to loans0.2865%708
Credit loss provision to net charge-offs135.1351%1,636
Earnings coverage of net charge-offs (x)8.5830%2,496
Efficiency ratio67.2751%3,138
Assets per employee ($millions)4.2027%3,612
Cash dividends to net income (ytd only)*45.8453%2,055
Condition Ratios (%)
Loss allowance to loans1.1070%3,549
Loan loss allowance to noncurrent loans626.6055%857
Noncurrent assets plus other real estate owned to assets0.1112%4,755
Noncurrent loans to loans0.1767%4,413
Net loans and leases to total assets62.2221%3,608
Net loans and leases to deposits74.3870%3,504
Net loans and leases to core deposits78.2579%3,571
Total domestic deposits to total assets83.6465%3,341
Equity capital to assets12.7017%1,522
Core capital (leverage) ratio12.6666%1,309
Tier 1 risk-based capital ratio20.8267%1,221
Total risk-based capital ratio21.9897%1,209
Memoranda:
Average total assets$296,648,3302,209
Average earning assets$282,618,6702,161
Average equity$36,354,0002,013
Average total loans$180,815,6702,333
2017-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.8124%3,721
Cost of funding earning assets0.2703%4,354
Net interest margin3.5421%3,110
Noninterest income to average assets1.1159%801
Noninterest expense to average assets2.9677%2,254
Loan and lease loss provision to assets0.2014%817
Net operating income to assets1.3254%1,177
Return on assets (ROA)1.1535%1,687
Pretax return on assets1.1535%2,764
Return on Equity (ROE)9.5850%2,151
Retained earnings to average equity (ytd only)5.8135%2,435
Net charge-offs to loans0.1500%1,061
Credit loss provision to net charge-offs223.8806%943
Earnings coverage of net charge-offs (x)16.9701%1,618
Efficiency ratio66.0293%3,493
Assets per employee ($millions)4.5290%3,117
Cash dividends to net income (ytd only)*39.3481%2,024
Condition Ratios (%)
Loss allowance to loans1.1251%3,545
Loan loss allowance to noncurrent loans12,756.2500%81
Noncurrent assets plus other real estate owned to assets0.0054%5,350
Noncurrent loans to loans0.0088%5,216
Net loans and leases to total assets60.9313%3,678
Net loans and leases to deposits72.4759%3,563
Net loans and leases to core deposits76.9616%3,565
Total domestic deposits to total assets84.0711%3,449
Equity capital to assets12.3828%1,612
Core capital (leverage) ratio12.2564%1,468
Tier 1 risk-based capital ratio21.3526%1,165
Total risk-based capital ratio22.5542%1,155
Memoranda:
Average total assets$297,878,5002,221
Average earning assets$284,122,5002,170
Average equity$35,847,5002,042
Average total loans$178,674,0002,374
2016-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3551%5,066
Cost of funding earning assets0.3333%3,714
Net interest margin3.0218%4,915
Noninterest income to average assets0.9330%1,311
Noninterest expense to average assets2.8546%2,831
Loan and lease loss provision to assets0.4046%382
Net operating income to assets0.5430%4,462
Return on assets (ROA)0.5560%4,514
Pretax return on assets0.5560%4,906
Return on Equity (ROE)4.6573%4,582
Retained earnings to average equity (ytd only)1.2876%4,770
Net charge-offs to loans0.3360%818
Credit loss provision to net charge-offs223.5294%1,282
Earnings coverage of net charge-offs (x)5.2353%3,367
Efficiency ratio75.0766%2,131
Assets per employee ($millions)4.8609%2,557
Cash dividends to net income (ytd only)*72.3519%1,203
Condition Ratios (%)
Loss allowance to loans1.1129%3,635
Loan loss allowance to noncurrent loans21,755.5556%38
Noncurrent assets plus other real estate owned to assets0.0030%5,431
Noncurrent loans to loans0.0051%5,294
Net loans and leases to total assets57.7281%4,093
Net loans and leases to deposits67.9308%4,085
Net loans and leases to core deposits72.8275%4,026
Total domestic deposits to total assets84.9807%3,055
Equity capital to assets11.6938%2,012
Core capital (leverage) ratio12.0188%1,586
Tier 1 risk-based capital ratio21.2968%1,161
Total risk-based capital ratio22.4632%1,161
Memoranda:
Average total assets$300,537,6002,160
Average earning assets$285,358,4002,127
Average equity$35,879,4002,031
Average total loans$161,926,8002,498
2016-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3646%5,097
Cost of funding earning assets0.3436%3,617
Net interest margin3.0210%4,973
Noninterest income to average assets0.9190%1,349
Noninterest expense to average assets2.7702%3,115
Loan and lease loss provision to assets0.4724%273
Net operating income to assets0.5452%4,509
Return on assets (ROA)0.5625%4,551
Pretax return on assets0.5625%4,969
Return on Equity (ROE)4.6874%4,650
Retained earnings to average equity (ytd only)0.8435%5,131
Net charge-offs to loans0.4073%527
Credit loss provision to net charge-offs219.8347%1,340
Earnings coverage of net charge-offs (x)4.7355%3,231
Efficiency ratio73.1364%2,416
Assets per employee ($millions)4.8171%2,589
Cash dividends to net income (ytd only)*82.0049%683
Condition Ratios (%)
Loss allowance to loans1.1176%3,746
Loan loss allowance to noncurrent loans4,146.6667%177
Noncurrent assets plus other real estate owned to assets0.0153%5,458
Noncurrent loans to loans0.0270%5,275
Net loans and leases to total assets56.1873%4,292
Net loans and leases to deposits66.6839%4,280
Net loans and leases to core deposits71.2178%4,232
Total domestic deposits to total assets84.2592%3,119
Equity capital to assets12.3651%1,860
Core capital (leverage) ratio12.0876%1,615
Tier 1 risk-based capital ratio22.3248%1,088
Total risk-based capital ratio23.4977%1,085
Memoranda:
Average total assets$300,328,7502,176
Average earning assets$285,201,0002,135
Average equity$36,038,7502,033
Average total loans$158,424,7502,541
2016-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.3806%5,124
Cost of funding earning assets0.3502%3,564
Net interest margin3.0304%5,016
Noninterest income to average assets0.8853%1,416
Noninterest expense to average assets2.6705%3,484
Loan and lease loss provision to assets0.4423%324
Net operating income to assets0.6506%4,038
Return on assets (ROA)0.6698%4,098
Pretax return on assets0.6698%4,712
Return on Equity (ROE)5.6371%4,232
Retained earnings to average equity (ytd only)1.0239%4,980
Net charge-offs to loans0.2558%932
Credit loss provision to net charge-offs336.1809%880
Earnings coverage of net charge-offs (x)8.3065%2,528
Efficiency ratio70.9592%2,831
Assets per employee ($millions)4.6768%2,754
Cash dividends to net income (ytd only)*81.8361%864
Condition Ratios (%)
Loss allowance to loans1.0683%4,116
Loan loss allowance to noncurrent loans3,902.2222%184
Noncurrent assets plus other real estate owned to assets0.0150%5,548
Noncurrent loans to loans0.0274%5,359
Net loans and leases to total assets54.3281%4,475
Net loans and leases to deposits64.9722%4,425
Net loans and leases to core deposits69.7503%4,341
Total domestic deposits to total assets83.6175%3,413
Equity capital to assets12.0827%2,071
Core capital (leverage) ratio11.8274%1,744
Tier 1 risk-based capital ratio22.5710%1,069
Total risk-based capital ratio23.6884%1,070
Memoranda:
Average total assets$302,491,0002,168
Average earning assets$287,287,6702,128
Average equity$35,940,3302,039
Average total loans$155,577,0002,582
2016-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2533%5,408
Cost of funding earning assets0.3629%3,472
Net interest margin2.8905%5,338
Noninterest income to average assets0.8498%1,441
Noninterest expense to average assets2.4783%4,137
Loan and lease loss provision to assets0.1842%1,084
Net operating income to assets0.9326%2,594
Return on assets (ROA)0.9300%2,709
Pretax return on assets0.9300%3,729
Return on Equity (ROE)7.8933%2,976
Retained earnings to average equity (ytd only)2.7241%4,148
Net charge-offs to loans0.2434%845
Credit loss provision to net charge-offs152.1739%1,262
Earnings coverage of net charge-offs (x)9.2283%2,002
Efficiency ratio68.9352%3,307
Assets per employee ($millions)4.1887%3,602
Cash dividends to net income (ytd only)*65.4880%1,294
Condition Ratios (%)
Loss allowance to loans0.8773%5,130
Loan loss allowance to noncurrent loans771.0983%707
Noncurrent assets plus other real estate owned to assets0.0574%5,380
Noncurrent loans to loans0.1138%5,020
Net loans and leases to total assets49.9784%4,805
Net loans and leases to deposits59.7109%4,734
Net loans and leases to core deposits63.6301%4,716
Total domestic deposits to total assets83.7007%3,635
Equity capital to assets12.0514%1,991
Core capital (leverage) ratio11.6872%1,835
Tier 1 risk-based capital ratio24.5271%861
Total risk-based capital ratio25.4480%881
Memoranda:
Average total assets$304,080,0002,160
Average earning assets$288,811,5002,132
Average equity$35,828,0002,042
Average total loans$151,182,0002,631
2015-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2284%5,476
Cost of funding earning assets0.3646%3,536
Net interest margin2.8638%5,394
Noninterest income to average assets0.8256%1,691
Noninterest expense to average assets2.4214%4,462
Loan and lease loss provision to assets0.1278%1,887
Net operating income to assets0.9961%2,382
Return on assets (ROA)0.9965%2,479
Pretax return on assets0.9965%3,491
Return on Equity (ROE)8.7350%2,609
Retained earnings to average equity (ytd only)2.8511%4,034
Net charge-offs to loans0.1800%1,595
Credit loss provision to net charge-offs150.1901%1,765
Earnings coverage of net charge-offs (x)13.2053%2,389
Efficiency ratio68.2976%3,507
Assets per employee ($millions)4.1997%3,567
Cash dividends to net income (ytd only)*67.3595%1,372
Condition Ratios (%)
Loss allowance to loans0.8556%5,248
Loan loss allowance to noncurrent loans726.5537%792
Noncurrent assets plus other real estate owned to assets0.0577%5,431
Noncurrent loans to loans0.1178%5,023
Net loans and leases to total assets48.6069%4,968
Net loans and leases to deposits57.7767%4,927
Net loans and leases to core deposits62.2390%4,861
Total domestic deposits to total assets84.1289%3,438
Equity capital to assets11.5179%2,339
Core capital (leverage) ratio11.4181%2,026
Tier 1 risk-based capital ratio24.8437%827
Total risk-based capital ratio25.7491%847
Memoranda:
Average total assets$308,995,2002,098
Average earning assets$293,460,8002,056
Average equity$35,249,0002,028
Average total loans$146,130,8002,652
2015-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1943%5,591
Cost of funding earning assets0.3577%3,670
Net interest margin2.8365%5,521
Noninterest income to average assets0.8359%1,667
Noninterest expense to average assets2.3906%4,538
Loan and lease loss provision to assets0.1219%1,866
Net operating income to assets1.0176%2,383
Return on assets (ROA)1.0181%2,479
Pretax return on assets1.0181%3,545
Return on Equity (ROE)8.9458%2,604
Retained earnings to average equity (ytd only)3.2014%4,184
Net charge-offs to loans0.1452%1,675
Credit loss provision to net charge-offs179.1139%1,474
Earnings coverage of net charge-offs (x)16.7469%2,096
Efficiency ratio67.7199%3,599
Assets per employee ($millions)4.3771%3,200
Cash dividends to net income (ytd only)*64.2132%1,245
Condition Ratios (%)
Loss allowance to loans0.8523%5,361
Loan loss allowance to noncurrent loans603.3019%872
Noncurrent assets plus other real estate owned to assets0.0682%5,482
Noncurrent loans to loans0.1413%5,068
Net loans and leases to total assets47.8737%5,089
Net loans and leases to deposits57.5601%5,025
Net loans and leases to core deposits62.4450%4,911
Total domestic deposits to total assets83.1717%3,744
Equity capital to assets11.5370%2,475
Core capital (leverage) ratio11.5523%1,998
Tier 1 risk-based capital ratio24.7646%879
Total risk-based capital ratio25.6661%894
Memoranda:
Average total assets$309,600,0002,109
Average earning assets$294,058,7502,062
Average equity$35,233,5002,034
Average total loans$145,087,7502,679
2015-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1970%5,630
Cost of funding earning assets0.3521%3,780
Net interest margin2.8449%5,536
Noninterest income to average assets0.8085%1,739
Noninterest expense to average assets2.4100%4,518
Loan and lease loss provision to assets0.1248%1,774
Net operating income to assets0.9754%2,517
Return on assets (ROA)0.9760%2,616
Pretax return on assets0.9760%3,674
Return on Equity (ROE)8.6163%2,741
Retained earnings to average equity (ytd only)2.8264%4,240
Net charge-offs to loans0.1743%1,418
Credit loss provision to net charge-offs154.4000%1,509
Earnings coverage of net charge-offs (x)13.6080%2,118
Efficiency ratio68.6567%3,561
Assets per employee ($millions)4.2508%3,386
Cash dividends to net income (ytd only)*67.1968%1,291
Condition Ratios (%)
Loss allowance to loans0.8479%5,476
Loan loss allowance to noncurrent loans543.1111%971
Noncurrent assets plus other real estate owned to assets0.0756%5,563
Noncurrent loans to loans0.1561%5,125
Net loans and leases to total assets48.0243%5,103
Net loans and leases to deposits55.6560%5,142
Net loans and leases to core deposits60.3119%5,051
Total domestic deposits to total assets86.2877%2,532
Equity capital to assets11.7564%2,197
Core capital (leverage) ratio11.5499%1,959
Tier 1 risk-based capital ratio25.7161%800
Total risk-based capital ratio26.6195%816
Memoranda:
Average total assets$309,208,6702,128
Average earning assets$293,649,3302,083
Average equity$35,026,6702,054
Average total loans$143,431,0002,708
2015-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1328%5,747
Cost of funding earning assets0.3506%3,856
Net interest margin2.7822%5,681
Noninterest income to average assets0.7542%1,888
Noninterest expense to average assets2.3553%4,724
Loan and lease loss provision to assets0.1143%1,808
Net operating income to assets0.9345%2,586
Return on assets (ROA)0.9358%2,710
Pretax return on assets0.9358%3,759
Return on Equity (ROE)8.4111%2,747
Retained earnings to average equity (ytd only)2.0314%4,661
Net charge-offs to loans0.0419%2,396
Credit loss provision to net charge-offs600.0000%466
Earnings coverage of net charge-offs (x)55.0667%784
Efficiency ratio69.1906%3,624
Assets per employee ($millions)4.2984%3,373
Cash dividends to net income (ytd only)*75.8480%1,051
Condition Ratios (%)
Loss allowance to loans0.8513%5,567
Loan loss allowance to noncurrent loans532.0346%962
Noncurrent assets plus other real estate owned to assets0.1170%5,483
Noncurrent loans to loans0.1600%5,201
Net loans and leases to total assets46.9026%5,128
Net loans and leases to deposits54.2016%5,177
Net loans and leases to core deposits58.5420%5,086
Total domestic deposits to total assets86.5335%2,646
Equity capital to assets11.5824%2,392
Core capital (leverage) ratio11.0641%2,352
Tier 1 risk-based capital ratio25.2496%864
Total risk-based capital ratio26.1500%880
Memoranda:
Average total assets$315,034,0002,113
Average earning assets$300,053,5002,052
Average equity$35,049,0002,064
Average total loans$143,085,5002,715
2014-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2356%5,792
Cost of funding earning assets0.3710%4,029
Net interest margin2.8646%5,709
Noninterest income to average assets0.8335%1,734
Noninterest expense to average assets2.3829%4,890
Loan and lease loss provision to assets0.0985%2,512
Net operating income to assets1.0789%2,060
Return on assets (ROA)1.0792%2,111
Pretax return on assets1.0792%3,169
Return on Equity (ROE)10.1842%2,034
Retained earnings to average equity (ytd only)3.5157%3,717
Net charge-offs to loans0.1626%2,405
Credit loss provision to net charge-offs144.8598%1,648
Earnings coverage of net charge-offs (x)17.3084%1,930
Efficiency ratio66.9286%4,071
Assets per employee ($millions)4.5122%3,014
Cash dividends to net income (ytd only)*65.4786%1,488
Condition Ratios (%)
Loss allowance to loans0.8138%5,741
Loan loss allowance to noncurrent loans372.2581%1,363
Noncurrent assets plus other real estate owned to assets0.1342%5,495
Noncurrent loans to loans0.2186%5,036
Net loans and leases to total assets43.2920%5,512
Net loans and leases to deposits49.4618%5,611
Net loans and leases to core deposits53.1399%5,553
Total domestic deposits to total assets87.5262%2,020
Equity capital to assets10.6963%3,243
Core capital (leverage) ratio10.9821%2,427
Tier 1 risk-based capital ratio25.1973%821
Total risk-based capital ratio26.0454%839
Memoranda:
Average total assets$314,577,8002,065
Average earning assets$299,452,2002,001
Average equity$33,335,8002,086
Average total loans$131,610,8002,836
2014-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2448%5,848
Cost of funding earning assets0.3755%4,069
Net interest margin2.8694%5,764
Noninterest income to average assets0.8466%1,714
Noninterest expense to average assets2.3841%4,877
Loan and lease loss provision to assets0.0940%2,481
Net operating income to assets1.0987%2,038
Return on assets (ROA)1.0987%2,104
Pretax return on assets1.0987%3,191
Return on Equity (ROE)10.3932%2,039
Retained earnings to average equity (ytd only)3.5897%4,094
Net charge-offs to loans0.1736%2,059
Credit loss provision to net charge-offs130.9524%1,765
Earnings coverage of net charge-offs (x)16.6134%1,956
Efficiency ratio66.6547%4,106
Assets per employee ($millions)4.2161%3,450
Cash dividends to net income (ytd only)*65.4609%1,180
Condition Ratios (%)
Loss allowance to loans0.8163%5,834
Loan loss allowance to noncurrent loans1,913.7931%312
Noncurrent assets plus other real estate owned to assets0.0598%5,907
Noncurrent loans to loans0.0427%5,842
Net loans and leases to total assets43.8233%5,535
Net loans and leases to deposits50.3472%5,629
Net loans and leases to core deposits54.4261%5,542
Total domestic deposits to total assets87.0424%2,298
Equity capital to assets11.0618%2,892
Core capital (leverage) ratio10.9924%2,492
Tier 1 risk-based capital ratio25.8106%805
Total risk-based capital ratio26.6529%832
Memoranda:
Average total assets$312,002,2502,097
Average earning assets$296,874,5002,030
Average equity$32,982,2502,114
Average total loans$129,063,2502,892
2014-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2268%5,911
Cost of funding earning assets0.3779%4,129
Net interest margin2.8489%5,820
Noninterest income to average assets0.8468%1,673
Noninterest expense to average assets2.3649%4,985
Loan and lease loss provision to assets0.0830%2,646
Net operating income to assets1.1123%1,888
Return on assets (ROA)1.1123%1,959
Pretax return on assets1.1123%3,048
Return on Equity (ROE)10.6841%1,850
Retained earnings to average equity (ytd only)3.9108%3,695
Net charge-offs to loans0.1767%1,976
Credit loss provision to net charge-offs116.0714%1,752
Earnings coverage of net charge-offs (x)16.7232%1,773
Efficiency ratio66.4277%4,297
Assets per employee ($millions)4.3529%3,171
Cash dividends to net income (ytd only)*63.3964%1,387
Condition Ratios (%)
Loss allowance to loans0.8122%5,944
Loan loss allowance to noncurrent loans1,265.8824%418
Noncurrent assets plus other real estate owned to assets0.0673%5,972
Noncurrent loans to loans0.0642%5,833
Net loans and leases to total assets41.9280%5,682
Net loans and leases to deposits47.9976%5,771
Net loans and leases to core deposits50.3811%5,773
Total domestic deposits to total assets87.3542%2,277
Equity capital to assets10.8063%3,084
Core capital (leverage) ratio10.8440%2,586
Tier 1 risk-based capital ratio25.6522%810
Total risk-based capital ratio26.4697%833
Memoranda:
Average total assets$313,412,3302,085
Average earning assets$298,502,0002,015
Average equity$32,628,0002,122
Average total loans$126,755,6702,933
2014-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1944%6,012
Cost of funding earning assets0.3846%4,146
Net interest margin2.8098%5,916
Noninterest income to average assets0.8423%1,596
Noninterest expense to average assets2.3113%5,163
Loan and lease loss provision to assets0.0766%2,613
Net operating income to assets1.1397%1,668
Return on assets (ROA)1.1397%1,733
Pretax return on assets1.1397%2,735
Return on Equity (ROE)11.1597%1,636
Retained earnings to average equity (ytd only)4.0365%3,696
Net charge-offs to loans0.1065%2,118
Credit loss provision to net charge-offs181.8182%1,115
Earnings coverage of net charge-offs (x)28.8788%1,075
Efficiency ratio65.5210%4,604
Assets per employee ($millions)4.3479%3,253
Cash dividends to net income (ytd only)*63.8298%1,301
Condition Ratios (%)
Loss allowance to loans0.8535%5,995
Loan loss allowance to noncurrent loans875.0000%581
Noncurrent assets plus other real estate owned to assets0.0958%5,957
Noncurrent loans to loans0.0975%5,833
Net loans and leases to total assets40.2633%5,791
Net loans and leases to deposits45.8642%5,860
Net loans and leases to core deposits47.6625%5,895
Total domestic deposits to total assets87.7880%2,355
Equity capital to assets10.3896%3,354
Core capital (leverage) ratio10.6006%2,807
Tier 1 risk-based capital ratio26.2504%770
Total risk-based capital ratio27.1019%783
Memoranda:
Average total assets$313,414,0002,091
Average earning assets$299,523,0002,014
Average equity$32,008,0002,153
Average total loans$123,892,5002,992
2013-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1774%6,162
Cost of funding earning assets0.4626%3,993
Net interest margin2.7147%6,121
Noninterest income to average assets0.8849%1,735
Noninterest expense to average assets2.3648%5,182
Loan and lease loss provision to assets0.0770%3,569
Net operating income to assets1.0485%2,124
Return on assets (ROA)1.0517%2,182
Pretax return on assets1.0517%3,149
Return on Equity (ROE)10.0089%2,109
Retained earnings to average equity (ytd only)3.4136%3,806
Net charge-offs to loans0.1722%3,102
Credit loss provision to net charge-offs118.8119%2,015
Earnings coverage of net charge-offs (x)17.3663%1,723
Efficiency ratio67.7544%4,244
Assets per employee ($millions)4.2983%3,271
Cash dividends to net income (ytd only)*65.8938%1,495
Condition Ratios (%)
Loss allowance to loans0.8769%5,990
Loan loss allowance to noncurrent loans472.3214%1,020
Noncurrent assets plus other real estate owned to assets0.1275%5,938
Noncurrent loans to loans0.1857%5,644
Net loans and leases to total assets38.1154%6,085
Net loans and leases to deposits43.2484%6,159
Net loans and leases to core deposits45.0263%6,184
Total domestic deposits to total assets88.1313%2,100
Equity capital to assets10.0361%3,717
Core capital (leverage) ratio10.4235%2,995
Tier 1 risk-based capital ratio26.9817%684
Total risk-based capital ratio27.8435%702
Memoranda:
Average total assets$311,690,4002,068
Average earning assets$299,146,6001,989
Average equity$32,751,0002,100
Average total loans$117,302,0003,096
2013-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1474%6,259
Cost of funding earning assets0.4675%4,086
Net interest margin2.6798%6,207
Noninterest income to average assets0.8938%1,775
Noninterest expense to average assets2.3416%5,209
Loan and lease loss provision to assets0.0771%3,518
Net operating income to assets1.0464%2,198
Return on assets (ROA)1.0506%2,263
Pretax return on assets1.0506%3,296
Return on Equity (ROE)9.8870%2,228
Retained earnings to average equity (ytd only)3.5161%4,189
Net charge-offs to loans0.1088%3,452
Credit loss provision to net charge-offs189.4737%1,275
Earnings coverage of net charge-offs (x)27.6007%1,304
Efficiency ratio67.5776%4,176
Assets per employee ($millions)4.5353%2,827
Cash dividends to net income (ytd only)*64.4371%1,291
Condition Ratios (%)
Loss allowance to loans0.9396%5,949
Loan loss allowance to noncurrent loans412.3134%1,051
Noncurrent assets plus other real estate owned to assets0.0988%6,141
Noncurrent loans to loans0.2279%5,663
Net loans and leases to total assets36.1766%6,274
Net loans and leases to deposits40.9832%6,353
Net loans and leases to core deposits42.6697%6,367
Total domestic deposits to total assets88.2718%1,952
Equity capital to assets9.9249%4,019
Core capital (leverage) ratio10.3739%3,141
Tier 1 risk-based capital ratio26.1994%772
Total risk-based capital ratio27.0795%786
Memoranda:
Average total assets$311,169,0002,078
Average earning assets$298,571,5001,993
Average equity$33,066,0002,103
Average total loans$116,463,7503,132
2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.1788%6,255
Cost of funding earning assets0.4743%4,154
Net interest margin2.7044%6,174
Noninterest income to average assets0.8642%1,945
Noninterest expense to average assets2.3345%5,264
Loan and lease loss provision to assets0.0780%3,502
Net operating income to assets1.0470%2,125
Return on assets (ROA)1.0535%2,221
Pretax return on assets1.0535%3,281
Return on Equity (ROE)9.6904%2,322
Retained earnings to average equity (ytd only)3.2780%4,217
Net charge-offs to loans0.0586%3,862
Credit loss provision to net charge-offs352.9412%735
Earnings coverage of net charge-offs (x)50.8824%794
Efficiency ratio67.4812%4,267
Assets per employee ($millions)4.3602%3,080
Cash dividends to net income (ytd only)*66.1728%1,319
Condition Ratios (%)
Loss allowance to loans0.9517%5,986
Loan loss allowance to noncurrent loans300.5435%1,401
Noncurrent assets plus other real estate owned to assets0.1156%6,137
Noncurrent loans to loans0.3167%5,502
Net loans and leases to total assets36.1629%6,290
Net loans and leases to deposits41.0383%6,366
Net loans and leases to core deposits42.6734%6,378
Total domestic deposits to total assets88.1199%2,157
Equity capital to assets10.0777%3,821
Core capital (leverage) ratio10.6583%2,709
Tier 1 risk-based capital ratio26.3357%744
Total risk-based capital ratio27.2299%759
Memoranda:
Average total assets$307,555,6702,102
Average earning assets$295,145,0002,012
Average equity$33,435,0002,084
Average total loans$116,086,0003,145
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.2291%6,265
Cost of funding earning assets0.4977%4,113
Net interest margin2.7313%6,164
Noninterest income to average assets0.8882%1,797
Noninterest expense to average assets2.3654%5,215
Loan and lease loss provision to assets0.0794%3,315
Net operating income to assets1.0656%1,977
Return on assets (ROA)1.0695%2,079
Pretax return on assets1.0695%3,079
Return on Equity (ROE)9.4741%2,282
Retained earnings to average equity (ytd only)3.0369%4,459
Net charge-offs to loans0.0724%3,117
Credit loss provision to net charge-offs285.7143%830
Earnings coverage of net charge-offs (x)41.1905%772
Efficiency ratio67.3831%4,432
Assets per employee ($millions)4.2759%3,381
Cash dividends to net income (ytd only)*67.9455%1,147
Condition Ratios (%)
Loss allowance to loans0.9152%6,223
Loan loss allowance to noncurrent loans136.8217%2,572
Noncurrent assets plus other real estate owned to assets0.2549%5,806
Noncurrent loans to loans0.6689%4,779
Net loans and leases to total assets37.7677%6,164
Net loans and leases to deposits43.4258%6,239
Net loans and leases to core deposits45.2075%6,253
Total domestic deposits to total assets86.9706%2,976
Equity capital to assets11.1572%2,789
Core capital (leverage) ratio10.8011%2,456
Tier 1 risk-based capital ratio27.1930%688
Total risk-based capital ratio28.0850%715
Memoranda:
Average total assets$302,185,5002,175
Average earning assets$290,114,0002,077
Average equity$34,114,0002,070
Average total loans$116,023,5003,157
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.6250%6,178
Cost of funding earning assets0.6185%4,188
Net interest margin3.0065%6,041
Noninterest income to average assets0.9615%1,659
Noninterest expense to average assets2.3694%5,500
Loan and lease loss provision to assets0.0816%4,678
Net operating income to assets1.3909%1,115
Return on assets (ROA)1.4150%1,185
Pretax return on assets1.4154%1,988
Return on Equity (ROE)12.2958%1,417
Retained earnings to average equity (ytd only)3.5924%3,682
Net charge-offs to loans0.2347%3,531
Credit loss provision to net charge-offs87.2727%3,583
Earnings coverage of net charge-offs (x)15.7527%1,633
Efficiency ratio61.6671%5,289
Assets per employee ($millions)4.2364%3,481
Cash dividends to net income (ytd only)*70.7833%1,341
Condition Ratios (%)
Loss allowance to loans0.8768%6,325
Loan loss allowance to noncurrent loans629.6296%672
Noncurrent assets plus other real estate owned to assets0.0539%6,496
Noncurrent loans to loans0.1393%6,135
Net loans and leases to total assets38.3365%6,277
Net loans and leases to deposits44.2293%6,354
Net loans and leases to core deposits46.0808%6,367
Total domestic deposits to total assets86.6767%3,004
Equity capital to assets11.4223%2,514
Core capital (leverage) ratio10.8778%2,363
Tier 1 risk-based capital ratio27.5487%657
Total risk-based capital ratio28.4262%661
Memoranda:
Average total assets$294,130,8002,178
Average earning assets$281,821,8002,089
Average equity$33,849,0002,036
Average total loans$117,180,2003,142
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7041%6,213
Cost of funding earning assets0.6326%4,338
Net interest margin3.0714%6,006
Noninterest income to average assets0.9706%1,595
Noninterest expense to average assets2.3487%5,548
Loan and lease loss provision to assets0.0821%4,602
Net operating income to assets1.4834%1,051
Return on assets (ROA)1.5058%1,119
Pretax return on assets1.5058%1,861
Return on Equity (ROE)13.0593%1,320
Retained earnings to average equity (ytd only)4.1396%3,992
Net charge-offs to loans0.1692%3,761
Credit loss provision to net charge-offs120.8054%2,395
Earnings coverage of net charge-offs (x)23.0472%1,328
Efficiency ratio60.0047%5,498
Assets per employee ($millions)4.2720%3,328
Cash dividends to net income (ytd only)*68.3014%979
Condition Ratios (%)
Loss allowance to loans0.9103%6,353
Loan loss allowance to noncurrent loans978.3784%434
Noncurrent assets plus other real estate owned to assets0.0382%6,673
Noncurrent loans to loans0.0930%6,386
Net loans and leases to total assets40.6951%6,225
Net loans and leases to deposits47.2889%6,300
Net loans and leases to core deposits49.1653%6,334
Total domestic deposits to total assets86.0564%3,220
Equity capital to assets11.9484%2,301
Core capital (leverage) ratio10.9567%2,436
Tier 1 risk-based capital ratio27.5899%696
Total risk-based capital ratio28.5299%701
Memoranda:
Average total assets$292,468,2502,213
Average earning assets$280,296,7502,120
Average equity$33,722,2502,060
Average total loans$117,393,0003,173
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7363%6,278
Cost of funding earning assets0.6317%4,611
Net interest margin3.1045%5,994
Noninterest income to average assets0.9641%1,562
Noninterest expense to average assets2.3546%5,605
Loan and lease loss provision to assets0.0819%4,574
Net operating income to assets1.5018%987
Return on assets (ROA)1.4888%1,134
Pretax return on assets1.4888%1,880
Return on Equity (ROE)13.0686%1,347
Retained earnings to average equity (ytd only)3.9170%4,008
Net charge-offs to loans0.1799%3,517
Credit loss provision to net charge-offs114.2857%2,388
Earnings coverage of net charge-offs (x)22.1048%1,316
Efficiency ratio59.7886%5,612
Assets per employee ($millions)4.1853%3,483
Cash dividends to net income (ytd only)*70.0275%1,087
Condition Ratios (%)
Loss allowance to loans0.9154%6,419
Loan loss allowance to noncurrent loans1,465.7534%314
Noncurrent assets plus other real estate owned to assets0.0249%6,767
Noncurrent loans to loans0.0625%6,512
Net loans and leases to total assets39.5310%6,376
Net loans and leases to deposits46.3692%6,412
Net loans and leases to core deposits48.2868%6,442
Total domestic deposits to total assets85.2528%3,739
Equity capital to assets11.5981%2,490
Core capital (leverage) ratio10.6932%2,606
Tier 1 risk-based capital ratio27.4814%686
Total risk-based capital ratio28.4154%694
Memoranda:
Average total assets$293,124,6702,203
Average earning assets$280,815,6702,118
Average equity$33,393,0002,067
Average total loans$116,755,6703,204
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.7169%6,412
Cost of funding earning assets0.6314%4,879
Net interest margin3.0856%6,095
Noninterest income to average assets0.9550%1,546
Noninterest expense to average assets2.3970%5,483
Loan and lease loss provision to assets0.0819%4,367
Net operating income to assets1.4297%1,167
Return on assets (ROA)1.4297%1,311
Pretax return on assets1.4297%2,091
Return on Equity (ROE)12.6647%1,494
Retained earnings to average equity (ytd only)5.3776%3,326
Net charge-offs to loans0.2057%2,894
Credit loss provision to net charge-offs100.0000%2,289
Earnings coverage of net charge-offs (x)18.4667%1,265
Efficiency ratio61.3264%5,396
Assets per employee ($millions)3.9940%4,020
Cash dividends to net income (ytd only)*57.5382%1,261
Condition Ratios (%)
Loss allowance to loans0.8996%6,532
Loan loss allowance to noncurrent loans2,153.0612%213
Noncurrent assets plus other real estate owned to assets0.0164%6,874
Noncurrent loans to loans0.0418%6,649
Net loans and leases to total assets38.7997%6,436
Net loans and leases to deposits45.1914%6,482
Net loans and leases to core deposits47.1482%6,501
Total domestic deposits to total assets85.8565%3,614
Equity capital to assets11.0856%2,810
Core capital (leverage) ratio10.7557%2,486
Tier 1 risk-based capital ratio27.1834%715
Total risk-based capital ratio28.1004%732
Memoranda:
Average total assets$293,202,0002,215
Average earning assets$280,663,0002,126
Average equity$33,100,0002,089
Average total loans$116,691,5003,216
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9610%6,525
Cost of funding earning assets0.6943%5,577
Net interest margin3.2667%5,912
Noninterest income to average assets1.0412%1,251
Noninterest expense to average assets2.5283%5,359
Loan and lease loss provision to assets0.0849%5,546
Net operating income to assets1.5434%752
Return on assets (ROA)1.6824%608
Pretax return on assets1.6860%1,019
Return on Equity (ROE)14.9827%747
Retained earnings to average equity (ytd only)5.2726%2,470
Net charge-offs to loans0.1993%4,544
Credit loss provision to net charge-offs106.1947%3,205
Earnings coverage of net charge-offs (x)20.4027%1,129
Efficiency ratio60.7741%5,636
Assets per employee ($millions)3.8764%4,145
Cash dividends to net income (ytd only)*64.8086%1,361
Condition Ratios (%)
Loss allowance to loans0.9087%6,514
Loan loss allowance to noncurrent loans1,159.3407%354
Noncurrent assets plus other real estate owned to assets0.0317%6,894
Noncurrent loans to loans0.0784%6,619
Net loans and leases to total assets40.1070%6,539
Net loans and leases to deposits47.0129%6,565
Net loans and leases to core deposits48.7967%6,605
Total domestic deposits to total assets85.3106%3,685
Equity capital to assets11.5017%2,505
Core capital (leverage) ratio11.0760%2,213
Tier 1 risk-based capital ratio27.3370%684
Total risk-based capital ratio28.2725%682
Memoranda:
Average total assets$282,565,4002,244
Average earning assets$269,782,6002,168
Average equity$31,730,0002,092
Average total loans$113,405,6003,305
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0335%6,535
Cost of funding earning assets0.7105%5,697
Net interest margin3.3230%5,794
Noninterest income to average assets1.0728%1,169
Noninterest expense to average assets2.5364%5,328
Loan and lease loss provision to assets0.0853%5,378
Net operating income to assets1.6232%749
Return on assets (ROA)1.8127%548
Pretax return on assets1.8127%935
Return on Equity (ROE)16.2428%647
Retained earnings to average equity (ytd only)6.1839%2,435
Net charge-offs to loans0.1762%4,395
Credit loss provision to net charge-offs120.8054%2,683
Earnings coverage of net charge-offs (x)24.2082%1,086
Efficiency ratio59.7523%5,764
Assets per employee ($millions)3.5503%4,877
Cash dividends to net income (ytd only)*61.9284%1,125
Condition Ratios (%)
Loss allowance to loans0.9209%6,532
Loan loss allowance to noncurrent loans589.0110%574
Noncurrent assets plus other real estate owned to assets0.0666%6,883
Noncurrent loans to loans0.1564%6,557
Net loans and leases to total assets42.1886%6,491
Net loans and leases to deposits49.8552%6,508
Net loans and leases to core deposits51.9792%6,568
Total domestic deposits to total assets84.6222%3,957
Equity capital to assets11.9671%2,277
Core capital (leverage) ratio11.3354%2,136
Tier 1 risk-based capital ratio27.9875%661
Total risk-based capital ratio28.9667%665
Memoranda:
Average total assets$281,493,5002,266
Average earning assets$268,708,2502,184
Average equity$31,414,2502,112
Average total loans$112,731,2503,358
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0364%6,604
Cost of funding earning assets0.7241%5,809
Net interest margin3.3123%5,820
Noninterest income to average assets1.0802%1,113
Noninterest expense to average assets2.4947%5,558
Loan and lease loss provision to assets0.0844%5,256
Net operating income to assets1.6622%650
Return on assets (ROA)1.9233%411
Pretax return on assets1.9233%670
Return on Equity (ROE)17.6433%495
Retained earnings to average equity (ytd only)8.9411%1,127
Net charge-offs to loans0.1865%4,044
Credit loss provision to net charge-offs115.3846%2,652
Earnings coverage of net charge-offs (x)23.8654%1,078
Efficiency ratio58.8186%6,055
Assets per employee ($millions)3.6952%4,457
Cash dividends to net income (ytd only)*49.3231%1,717
Condition Ratios (%)
Loss allowance to loans0.9172%6,610
Loan loss allowance to noncurrent loans1,026.2136%365
Noncurrent assets plus other real estate owned to assets0.0446%6,983
Noncurrent loans to loans0.0894%6,759
Net loans and leases to total assets41.7603%6,608
Net loans and leases to deposits49.1398%6,661
Net loans and leases to core deposits50.8922%6,720
Total domestic deposits to total assets84.9827%3,890
Equity capital to assets11.6378%2,375
Core capital (leverage) ratio11.0930%2,176
Tier 1 risk-based capital ratio27.7088%681
Total risk-based capital ratio28.6670%691
Memoranda:
Average total assets$284,199,6702,253
Average earning assets$271,230,6702,169
Average equity$30,980,6702,123
Average total loans$111,506,6703,421
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets3.9463%6,771
Cost of funding earning assets0.7388%5,930
Net interest margin3.2076%6,047
Noninterest income to average assets1.0236%1,259
Noninterest expense to average assets2.4118%5,852
Loan and lease loss provision to assets0.0829%4,962
Net operating income to assets1.5996%694
Return on assets (ROA)1.6037%732
Pretax return on assets1.6037%1,184
Return on Equity (ROE)15.1966%794
Retained earnings to average equity (ytd only)7.4347%1,969
Net charge-offs to loans0.2080%3,264
Credit loss provision to net charge-offs105.2632%2,532
Earnings coverage of net charge-offs (x)21.3684%1,084
Efficiency ratio58.9069%6,140
Assets per employee ($millions)3.8495%4,188
Cash dividends to net income (ytd only)*51.0767%1,445
Condition Ratios (%)
Loss allowance to loans0.9241%6,641
Loan loss allowance to noncurrent loans730.0699%483
Noncurrent assets plus other real estate owned to assets0.0561%7,019
Noncurrent loans to loans0.1266%6,730
Net loans and leases to total assets38.7700%6,857
Net loans and leases to deposits44.9924%6,915
Net loans and leases to core deposits46.6668%6,943
Total domestic deposits to total assets86.1702%3,421
Equity capital to assets10.6508%3,039
Core capital (leverage) ratio10.2750%2,836
Tier 1 risk-based capital ratio27.8568%644
Total risk-based capital ratio28.8344%644
Memoranda:
Average total assets$289,577,5002,232
Average earning assets$277,219,0002,136
Average equity$30,559,5002,145
Average total loans$109,636,0003,502
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1467%6,995
Cost of funding earning assets0.9914%5,733
Net interest margin3.1553%6,374
Noninterest income to average assets1.1568%1,105
Noninterest expense to average assets2.6776%5,090
Loan and lease loss provision to assets0.0902%6,239
Net operating income to assets1.3919%965
Return on assets (ROA)1.4235%966
Pretax return on assets1.4231%1,586
Return on Equity (ROE)12.5500%1,206
Retained earnings to average equity (ytd only)4.2827%2,846
Net charge-offs to loans0.1846%5,198
Credit loss provision to net charge-offs126.3158%3,208
Earnings coverage of net charge-offs (x)20.7579%988
Efficiency ratio64.3754%5,286
Assets per employee ($millions)4.0340%3,711
Cash dividends to net income (ytd only)*65.8749%1,383
Condition Ratios (%)
Loss allowance to loans0.9793%6,462
Loan loss allowance to noncurrent loans416.4000%747
Noncurrent assets plus other real estate owned to assets0.0926%6,999
Noncurrent loans to loans0.2352%6,590
Net loans and leases to total assets36.2389%7,151
Net loans and leases to deposits41.9476%7,183
Net loans and leases to core deposits43.6510%7,212
Total domestic deposits to total assets86.3909%3,144
Equity capital to assets10.4560%3,203
Core capital (leverage) ratio10.3221%2,748
Tier 1 risk-based capital ratio27.8505%620
Total risk-based capital ratio28.8440%626
Memoranda:
Average total assets$266,174,8002,393
Average earning assets$253,286,0002,312
Average equity$30,191,2002,160
Average total loans$102,938,4003,714
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.1881%7,107
Cost of funding earning assets1.0095%5,896
Net interest margin3.1785%6,413
Noninterest income to average assets1.2005%969
Noninterest expense to average assets2.6952%4,900
Loan and lease loss provision to assets0.0923%6,113
Net operating income to assets1.4342%1,049
Return on assets (ROA)1.4747%1,043
Pretax return on assets1.4747%1,669
Return on Equity (ROE)12.7241%1,336
Retained earnings to average equity (ytd only)4.7898%3,138
Net charge-offs to loans0.1580%5,049
Credit loss provision to net charge-offs148.7603%2,623
Earnings coverage of net charge-offs (x)24.6115%1,019
Efficiency ratio63.8417%5,272
Assets per employee ($millions)3.9644%3,908
Cash dividends to net income (ytd only)*62.3567%1,165
Condition Ratios (%)
Loss allowance to loans0.9971%6,409
Loan loss allowance to noncurrent loans213.4146%1,368
Noncurrent assets plus other real estate owned to assets0.1815%6,906
Noncurrent loans to loans0.4672%6,257
Net loans and leases to total assets37.0375%7,227
Net loans and leases to deposits43.2877%7,260
Net loans and leases to core deposits45.1751%7,285
Total domestic deposits to total assets85.5614%3,316
Equity capital to assets11.1250%2,833
Core capital (leverage) ratio10.4251%2,776
Tier 1 risk-based capital ratio26.9359%702
Total risk-based capital ratio27.9110%700
Memoranda:
Average total assets$260,107,2502,486
Average earning assets$247,237,0002,402
Average equity$30,146,7502,186
Average total loans$102,099,2503,798
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2220%7,144
Cost of funding earning assets0.9655%6,310
Net interest margin3.2565%6,146
Noninterest income to average assets1.2380%849
Noninterest expense to average assets2.7883%4,542
Loan and lease loss provision to assets0.0949%5,963
Net operating income to assets1.4451%1,003
Return on assets (ROA)1.4214%1,121
Pretax return on assets1.4214%1,774
Return on Equity (ROE)12.0843%1,427
Retained earnings to average equity (ytd only)4.2275%3,382
Net charge-offs to loans0.1742%4,570
Credit loss provision to net charge-offs136.3636%2,937
Earnings coverage of net charge-offs (x)22.1364%1,144
Efficiency ratio64.4201%5,255
Assets per employee ($millions)3.6474%4,591
Cash dividends to net income (ytd only)*65.0167%1,159
Condition Ratios (%)
Loss allowance to loans1.0293%6,272
Loan loss allowance to noncurrent loans376.1029%800
Noncurrent assets plus other real estate owned to assets0.1036%7,137
Noncurrent loans to loans0.2737%6,683
Net loans and leases to total assets35.0236%7,389
Net loans and leases to deposits40.8450%7,422
Net loans and leases to core deposits43.1337%7,425
Total domestic deposits to total assets85.7475%3,238
Equity capital to assets10.9533%2,914
Core capital (leverage) ratio10.9872%2,253
Tier 1 risk-based capital ratio25.8910%774
Total risk-based capital ratio26.8187%790
Memoranda:
Average total assets$252,985,0002,575
Average earning assets$240,077,3302,478
Average equity$29,757,6702,204
Average total loans$101,032,0003,859
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3586%7,055
Cost of funding earning assets1.0136%6,311
Net interest margin3.3450%5,804
Noninterest income to average assets1.3051%709
Noninterest expense to average assets2.9717%3,773
Loan and lease loss provision to assets0.1004%5,623
Net operating income to assets1.3972%1,081
Return on assets (ROA)1.3972%1,153
Pretax return on assets1.3972%1,785
Return on Equity (ROE)11.4167%1,666
Retained earnings to average equity (ytd only)2.8576%4,414
Net charge-offs to loans0.2749%3,315
Credit loss provision to net charge-offs85.7143%3,752
Earnings coverage of net charge-offs (x)12.7857%1,539
Efficiency ratio66.4920%5,013
Assets per employee ($millions)3.1543%5,874
Cash dividends to net income (ytd only)*74.9701%940
Condition Ratios (%)
Loss allowance to loans0.9667%6,618
Loan loss allowance to noncurrent loans817.5000%393
Noncurrent assets plus other real estate owned to assets0.0572%7,345
Noncurrent loans to loans0.1182%7,112
Net loans and leases to total assets41.3785%7,160
Net loans and leases to deposits49.1933%7,172
Net loans and leases to core deposits52.2338%7,189
Total domestic deposits to total assets84.1140%4,094
Equity capital to assets12.0973%1,990
Core capital (leverage) ratio11.6559%1,827
Tier 1 risk-based capital ratio25.3700%825
Total risk-based capital ratio26.2547%842
Memoranda:
Average total assets$239,053,5002,777
Average earning assets$226,129,5002,676
Average equity$29,255,5002,266
Average total loans$101,855,0003,894
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7519%7,046
Cost of funding earning assets1.1578%6,799
Net interest margin3.5941%4,571
Noninterest income to average assets1.3958%753
Noninterest expense to average assets3.0110%4,101
Loan and lease loss provision to assets0.0513%7,052
Net operating income to assets1.7327%413
Return on assets (ROA)1.6733%498
Pretax return on assets1.6742%827
Return on Equity (ROE)13.7828%823
Retained earnings to average equity (ytd only)4.7504%1,947
Net charge-offs to loans0.2472%5,079
Credit loss provision to net charge-offs48.0000%6,770
Earnings coverage of net charge-offs (x)16.7000%1,238
Efficiency ratio62.7830%6,003
Assets per employee ($millions)3.0549%6,081
Cash dividends to net income (ytd only)*65.5340%1,750
Condition Ratios (%)
Loss allowance to loans0.9694%6,535
Loan loss allowance to noncurrent loans869.2982%406
Noncurrent assets plus other real estate owned to assets0.0565%7,356
Noncurrent loans to loans0.1115%7,138
Net loans and leases to total assets43.0384%7,176
Net loans and leases to deposits51.4052%7,180
Net loans and leases to core deposits58.7985%7,313
Total domestic deposits to total assets83.7238%4,165
Equity capital to assets12.3834%1,804
Core capital (leverage) ratio12.2814%1,538
Tier 1 risk-based capital ratio24.9437%848
Total risk-based capital ratio25.8290%865
Memoranda:
Average total assets$233,909,2002,778
Average earning assets$221,282,2002,688
Average equity$28,397,8002,342
Average total loans$101,144,8003,914
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8137%7,094
Cost of funding earning assets1.1930%6,910
Net interest margin3.6207%4,405
Noninterest income to average assets1.4156%752
Noninterest expense to average assets3.0361%3,897
Loan and lease loss provision to assets0.0685%6,678
Net operating income to assets1.7410%518
Return on assets (ROA)1.6845%612
Pretax return on assets1.6845%1,002
Return on Equity (ROE)13.9450%946
Retained earnings to average equity (ytd only)5.1508%2,403
Net charge-offs to loans0.1877%4,894
Credit loss provision to net charge-offs84.5070%5,639
Earnings coverage of net charge-offs (x)22.3238%1,163
Efficiency ratio62.6576%5,990
Assets per employee ($millions)2.8855%6,448
Cash dividends to net income (ytd only)*63.0633%1,485
Condition Ratios (%)
Loss allowance to loans1.0775%5,856
Loan loss allowance to noncurrent loans437.8486%719
Noncurrent assets plus other real estate owned to assets0.1204%7,245
Noncurrent loans to loans0.2461%6,889
Net loans and leases to total assets44.8269%7,187
Net loans and leases to deposits54.1545%7,204
Net loans and leases to core deposits62.0400%7,324
Total domestic deposits to total assets82.7760%4,335
Equity capital to assets13.0622%1,672
Core capital (leverage) ratio12.2554%1,680
Tier 1 risk-based capital ratio25.7939%832
Total risk-based capital ratio26.8173%831
Memoranda:
Average total assets$233,579,7502,796
Average earning assets$221,279,2502,705
Average equity$28,215,0002,375
Average total loans$100,873,7503,960
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7874%7,252
Cost of funding earning assets1.1980%7,109
Net interest margin3.5895%4,409
Noninterest income to average assets1.3332%863
Noninterest expense to average assets2.9778%4,167
Loan and lease loss provision to assets0.1015%6,154
Net operating income to assets1.6505%621
Return on assets (ROA)1.5803%773
Pretax return on assets1.5803%1,253
Return on Equity (ROE)13.4290%1,090
Retained earnings to average equity (ytd only)3.7958%3,180
Net charge-offs to loans0.1811%4,442
Credit loss provision to net charge-offs131.8681%3,540
Earnings coverage of net charge-offs (x)22.7582%1,209
Efficiency ratio62.9583%6,089
Assets per employee ($millions)2.9848%6,174
Cash dividends to net income (ytd only)*71.7345%1,313
Condition Ratios (%)
Loss allowance to loans1.1117%5,513
Loan loss allowance to noncurrent loans718.7500%476
Noncurrent assets plus other real estate owned to assets0.0687%7,414
Noncurrent loans to loans0.1547%7,136
Net loans and leases to total assets43.9362%7,332
Net loans and leases to deposits52.7638%7,341
Net loans and leases to core deposits59.6254%7,463
Total domestic deposits to total assets83.2697%4,118
Equity capital to assets12.0391%2,184
Core capital (leverage) ratio11.6131%2,030
Tier 1 risk-based capital ratio24.8642%955
Total risk-based capital ratio25.9178%955
Memoranda:
Average total assets$236,416,3302,784
Average earning assets$223,710,6702,701
Average equity$27,820,3302,415
Average total loans$100,501,3304,000
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.7905%7,386
Cost of funding earning assets1.2091%7,282
Net interest margin3.5814%4,400
Noninterest income to average assets1.2560%908
Noninterest expense to average assets2.7572%4,747
Loan and lease loss provision to assets0.1007%5,678
Net operating income to assets1.7950%533
Return on assets (ROA)1.7917%593
Pretax return on assets1.7917%991
Return on Equity (ROE)15.3990%903
Retained earnings to average equity (ytd only)6.0615%2,595
Net charge-offs to loans0.2706%3,043
Credit loss provision to net charge-offs89.5522%4,018
Earnings coverage of net charge-offs (x)16.8507%1,531
Efficiency ratio59.2566%6,514
Assets per employee ($millions)3.0187%6,104
Cash dividends to net income (ytd only)*60.6373%1,476
Condition Ratios (%)
Loss allowance to loans1.1191%5,330
Loan loss allowance to noncurrent loans571.2821%622
Noncurrent assets plus other real estate owned to assets0.0818%7,349
Noncurrent loans to loans0.1959%6,972
Net loans and leases to total assets41.2748%7,508
Net loans and leases to deposits49.3163%7,526
Net loans and leases to core deposits54.8681%7,652
Total domestic deposits to total assets83.6939%3,847
Equity capital to assets11.7970%2,386
Core capital (leverage) ratio11.1178%2,408
Tier 1 risk-based capital ratio24.9028%992
Total risk-based capital ratio25.9292%991
Memoranda:
Average total assets$238,216,0002,786
Average earning assets$225,947,5002,699
Average equity$27,716,0002,438
Average total loans$99,031,5004,068
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.0770%7,786
Cost of funding earning assets1.5522%7,530
Net interest margin3.5249%5,210
Noninterest income to average assets1.4215%708
Noninterest expense to average assets2.8276%4,705
Loan and lease loss provision to assets0.0929%6,204
Net operating income to assets1.8304%524
Return on assets (ROA)1.8364%495
Pretax return on assets1.8377%870
Return on Equity (ROE)16.3281%725
Retained earnings to average equity (ytd only)5.2452%1,883
Net charge-offs to loans0.2315%3,925
Credit loss provision to net charge-offs100.9346%5,262
Earnings coverage of net charge-offs (x)20.9159%1,554
Efficiency ratio59.5005%6,434
Assets per employee ($millions)3.0121%6,031
Cash dividends to net income (ytd only)*67.8764%2,281
Condition Ratios (%)
Loss allowance to loans1.1379%5,007
Loan loss allowance to noncurrent loans491.6667%877
Noncurrent assets plus other real estate owned to assets0.0958%7,195
Noncurrent loans to loans0.2314%6,692
Net loans and leases to total assets40.9309%7,628
Net loans and leases to deposits48.7431%7,679
Net loans and leases to core deposits54.0341%7,801
Total domestic deposits to total assets83.9727%3,336
Equity capital to assets11.4722%2,652
Core capital (leverage) ratio11.4442%2,288
Tier 1 risk-based capital ratio24.8237%997
Total risk-based capital ratio25.8695%996
Memoranda:
Average total assets$232,568,8002,734
Average earning assets$219,753,8002,662
Average equity$26,157,4002,542
Average total loans$92,434,0004,145